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Things about to get very serious and much more real? / Felicitas Letters

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  • Guy Incognito
    replied
    Makes me want to start a scheme.

    Leave a comment:


  • GregRickshaw
    replied
    Rearrange these words into an appropriate statement. Off Free Scott Got

    Leave a comment:


  • Fred Bloggs
    replied
    But Sacco can just carry on if he wishes by using a sock puppet for his directorships. Really, this type of practice that results in nothing substantive in the way of punishment is effectively a green light for others to carry on. It's very sad.

    Leave a comment:


  • eek
    replied
    Originally posted by Monkeypower View Post
    There is a little justice in the world, be it a lenient, but still a little

    https://www.contractoruk.com/news/00...&utm_source=NL
    Given what is required for a sentence to go above 10 years (outright fraud) the sentence actually fairly high.

    It just doesn't seem to be that high or fair when you are this close to it.

    Leave a comment:


  • Monkeypower
    replied
    There is a little justice in the world, be it a lenient, but still a little

    https://www.contractoruk.com/news/00...&utm_source=NL

    Leave a comment:


  • Fred Bloggs
    replied
    Originally posted by eek View Post

    Loans made to you by your employer are one of those statutory exemptions.

    We covered this in the first few pages.
    Yep. What eek says.

    Leave a comment:


  • DavidD
    replied
    Ahh, thanks thought that it was a bit of a long shot !

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  • eek
    replied
    Originally posted by DavidD View Post
    I just came across the following on HMRC's website:

    Unless subject to certain statutory exemptions, the lender and any third party seeking to recover the debt must:
    • be authorised by the FCA
    • hold the appropriate FCA lending permission

    The loan will be unenforceable if the original lender was not authorised with the appropriate FCA lending permission. Any third party the original lender has transferred the loan to that is seeking to recover the debt from you without the appropriate FCA lending permission or exemption would be acting unlawfully. You can check a firm’s authorisation status and regulatory permissions using the Financial Services Register: register.fca.org.uk. If the lender has not complied with the CCA, it is up to the courts (not the government or the FCA), to decide whether to allow enforcement of the loan.

    FS CAPITAL LIMITED do not seem to be listed.... I may well be wrong and as stated I will never pay anyway but if this is correct they have no right to attempt to reclaim the "loan" anyway.
    Loans made to you by your employer are one of those statutory exemptions.

    We covered this in the first few pages.

    Leave a comment:


  • DavidD
    replied
    I just came across the following on HMRC's website:

    Unless subject to certain statutory exemptions, the lender and any third party seeking to recover the debt must:
    • be authorised by the FCA
    • hold the appropriate FCA lending permission

    The loan will be unenforceable if the original lender was not authorised with the appropriate FCA lending permission. Any third party the original lender has transferred the loan to that is seeking to recover the debt from you without the appropriate FCA lending permission or exemption would be acting unlawfully. You can check a firm’s authorisation status and regulatory permissions using the Financial Services Register: register.fca.org.uk. If the lender has not complied with the CCA, it is up to the courts (not the government or the FCA), to decide whether to allow enforcement of the loan.

    FS CAPITAL LIMITED do not seem to be listed.... I may well be wrong and as stated I will never pay anyway but if this is correct they have no right to attempt to reclaim the "loan" anyway.

    Leave a comment:


  • DavidD
    replied
    Hi, if you search the forum for K2 / FS Capital you'll find a thread on FS Capital - I received the same letters about a year ago - I downloaded the same letter you mentioned - FS capital responded on a selective basis sending the info that suited them and demanding the 'loan'. At this point I stopped wasting my time with them and have heard nothing for the last 12 months (I know several people who were on K2 and none have paid FS Capital). I understand they are just fishing for a settlement of some sort ~1-5% of the loan. They will never receive a penny from me under any circumstance and unlike others on here I don't believe they have a hope in hell of claiming any money legitimately.

    Leave a comment:

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